Private Insurance

New and Noteworthy

How Much and Why ACA Marketplace Premiums Are Going Up in 2026

A new analysis of initial rate filings for Affordable Care Act (ACA) Marketplace plans submitted by 312 insurers in all 50 states and the District of Columbia finds the median proposed increase for 2026 is 18%, more than double last year’s 7% median proposed increase. The proposed rates are preliminary and could change before being finalized in late summer. In addition to rising cost and utilization of services, insurers cited the expiration of enhanced premium tax credits as a significant factor in their rate hikes for next year.

Quick Take

Tariffs Are Driving 2026 Health Insurance Premiums Up

2025 Reconciliation Bill

Health Savings Account Provisions in the 2025 Tax and Spending Law

analysis

Health Insurer Financial Performance in 2023

Survey

Consumer Experiences with Health Insurance

Employer Coverage

Employer Family Premiums Climb to $25,572 in 2024, Survey Finds

Family premiums for employer-sponsored health insurance rose 7% in 2024, matching the 2023 increase, KFF's benchmark Employer Health Benefits Survey finds. Over the previous five years, the cumulative increase in premiums has been similar to the rise in general inflation and workers' wages. The survey also examines deductibles and other cost-sharing, coverage of GLP-1 weight-loss drugs, and more.

Read the News Release

Latest News

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Trump’s Medicaid Cuts Were Aimed at ‘Able-Bodied Adults.’ Hospitals Say Kids Will Be Hurt.

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Explaining California v. Texas: A Guide to the Case Challenging the ACA

Sep 1, 2020
Issue Brief

This issue brief answers key questions about California v. Texas (known as Texas v. US in the lower courts), the case challenging the Affordable Care Act to be heard by the Supreme Court.
Opportunities and Barriers for Telemedicine in the U.S. During the COVID-19 Emergency and Beyond

May 11, 2020
Issue Brief

This brief analyzes the changes to telehealth regulation and implementation made by the federal government, state governments and health systems in response to the COVID-19 emergency. We outline key changes to telemedicine coverage, for Medicare, Medicaid and private insurers.
Eligibility for ACA Health Coverage Following Job Loss

May 13, 2020
Issue Brief

As unemployment claims skyrocket amid the coronavirus (COVID-19) crisis, this analysis examines the potential loss of job-based coverage among people in families where someone lost employment between March 1 and May 2 and estimate their eligibility for ACA coverage as of May and January 2021, when most will have exhausted their unemployment benefits.
As Unemployment Skyrockets, KFF Estimates More than 20 Million People Losing Job-Based Health Coverage Will Become Eligible for ACA Coverage through Medicaid or Marketplace Tax Credits

May 13, 2020
News Release

Coverage Losses Will Affect At Least a Million Residents in Each of Eight States: California, Texas, Pennsylvania, New York, Georgia, Florida, Michigan and Ohio With more than 31 million workers filing unemployment claims between March 1 and May 2 as the coronavirus crisis hit the nation’s economy, a new KFF analysis estimates 26.
Trends in Workplace Wellness Programs and Evolving Federal Standards

Jun 9, 2020
Issue Brief

This brief examines trends in large employers' use of wellness programs that collect personalized health information from workers, often with financial incentives, and the evolving federal standards governing such programs.
KFF Health Tracking Poll – October 2020: The Future of the ACA and Biden’s Advantage On Health Care

Oct 16, 2020
Report

The poll examines the public's views on the Supreme Court case to overturn the Affordable Care Act and its protections for people with pre-existing conditions. Less than a month from the results of the 2020 presidential election, this poll examines the top issues for voters (the economy, the coronavirus pandemic, health care, criminal justice and policing, among others) as well as which candidate, Biden or Trump, they think has the better approach to handle key health care policy areas.
2021 Premium Changes on ACA Exchanges and the Impact of COVID-19 on Rates

Oct 19, 2020
Issue Brief

This brief summarizes premium rate filings in all 50 states and the District of Columbia and finds the majority of rate changes for 2021 are moderate, with increases or decrease of a few percentage points. Insurers say the COVID-19 pandemic is putting both upward and downward pressure on health costs in 2021.
From the Federal Response to COVID-19 to Ongoing Efforts to Repeal the ACA and Proposals for Lowering Drug Prices, President Trump Has an Extensive Record on Health Care

Sep 14, 2020
News Release

Since taking office in 2017, President Trump has laid down an extensive record on health care, including his response to the COVID-19 pandemic, his early and ongoing efforts to repeal and replace the Affordable Care Act, his annual budget proposals to curb spending on Medicare and Medicaid, his executive orders and other proposals to lower…
5 Charts About Public Opinion on the Affordable Care Act

May 15, 2024
Feature

A look at public opinion about the ACA and its provisions, including protections for people with pre-existing conditions and the impact of the law on families.
Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2020

Oct 8, 2020
Interactive

This graphing tool allows users to explore trends in workplace-sponsored health insurance premiums and worker contributions over time for different categories of employers based on results from the annual Employer Health Benefits Survey. Breakouts are available by firm size, region and industry, as well as for firms with relatively few or many part-time workers, higher- or lower-wage workers, and older or younger workers.